Claims
Crash responsibility
We carefully review the details of every crash to determine who is responsible, and to what degree. This is also known as fault or liability. The responsibility assessment may affect your future insurance premiums.
If you’ve been found responsible for a crash, you will receive a letter from us when your responsibility has been assessed. Your ICBC claim representative can help explain the responsibility assessment to you.
If you have any questions, we're here to help.
How we assess responsibility in a crash
Learn how we assess responsibility and what factors are taken into account.
Crash examples
You may find it helpful to review these crash examples, which help our claim representatives assess responsibility.
If you are responsible
If you're found responsible for a crash, find out what your insurance covers and how it may be affected.
If you are not responsible
If you're found not responsible for a crash, find out what is covered by your insurance and what is covered by the other driver's insurance.
Shared or undetermined responsibility
If you're found partially responsible in a crash, find answers to common questions.
Quick links
If you disagree with your responsibility assessment, find out how to dispute it.
